Monthly Fees

The monthly service fee ($15) can be avoided with one of the following:

Maintain $10,000 total average collected and combined balance for the month. May be combined balance in any combination of the following personal accounts: checking, money markets, savings, CDs, IRAs, installment loans and lines of credit. Mobank mortgage balances are excluded from the combined balance calculation. Accounts are not automatically linked. Please notify your banker which accounts should be linked. Personal accounts linked to your account to qualify as combined balances may only be used once. For example, your Money Market account can only be linked to one account to offset the monthly service fee.

Mobank mortgage with auto debit.

Account Details

Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of non-cash items, such as checks. Unless stated otherwise, we use the daily balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, read the Summary of Fees and Definitions and the Agreements and Disclosures.

Loan discounts do not apply to all types of loans and are applicable for new loans only. Discount applies to the Interest Rate at the time of application. Payment must be automatically debited from a Mobank checking account. Some restrictions apply. All offers subject to credit approval.

Regarding Premier Money Market relationship, the bonus interest rate is not automatically applied and must be requested. If the Interest Checking Account is terminated, the bonus interest rate on all eligible savings accounts, and discounts or fee waivers on other products and services will discontinue and revert to the Bank's then current applicable rate or fee.

One overdraft fee is refunded per calendar year, at client’s request.

If enrolled in Overdraft Protection, we will automatically transfer funds, to the extent they are available, from your linked Mobank savings, money market account or personal line of credit to your checking account to cover transactions, should your checking account balance drop too low. A transfer fee will apply and transfers from your savings or money market may be subject to an excessive withdrawal fee. See Summary of Fees and Definitions for pricing.

Although we will not charge you a fee for using a non-Mobank ATM, some banks will charge fees when using their ATMs for withdrawal, transfer, and balance inquiries. However, a fee can be avoided by using one of more than 24,000 free MoneyPass ATMs nationwide. In addition, if you own an Interest Checking account and are charged an ATM fee, you will be issued one (2) automatic rebate per statement cycle.

How It Works: Wire Transfers

What is a wire transfer?

Wire transfers are fast and secure, and you'll typically use them to transfer money between external accounts and your Mobank account. Because the transfer is done electronically and the funds are guaranteed, it's a same-day process, which means you or your loved ones will never have to wait long to receive your funds.

How can I send a wire transfer?

We can accommodate a variety of different types of wire transfers, including both domestic and international transfers in the currency of your choice, and repeating and one-off payments. Please visit a banking center or call ExpressBank at (866) 836-0846 to get started.

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (866) 836-0846.

Can I order checks online?

Absolutely. Just visit our ordering page. There, you can customize your checks with different designs and formats, and order as many as you need.

Where can I find my ABA routing number?

The Mobank Routing Number is: 101015101. You can also find it on your Mobank checks in the location shown below:

What is Online and Mobile Bill Pay?

Bill Pay is a service that lets you pay your bills from your computer or mobile device, without having to write or mail a check. It's easy and fast, and can even be set up to pay recurring bills automatically. No checks to write, no envelopes to address and no stamps to lick. Learn more about Online Bill Pay today.